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Amex Dispute (Duplicate Payment)
Hi I reserved a hotel room abroad earlier this year and presumably the hotel put a hold on my Amex credit card for the full payment which was due to be made 30 days prior to arrival. Some weeks later I changed the reservation slightly by removing the transfer. I then rang again to change the credit card to avoid paying the…
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Mastercard Currency conversion calculator site - Is it kaput?
When I visit the Mastercard Currency conversion calculator site, the following message appears: It gave same/similar error when I checked 8 hours ago. Also, does anyone know how come we have to use such an ancient site?..I mean, for goodness sake, it's the 21st century. Every time I want to do a currency convert check, I…
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Applying for credit after moving house
Hi, We have recently moved house and are full steam ahead on renovation work at the new address. As savings alone won't cover the cost of the work required, I'll be needing to spread a limited amount of the cost over a 0% credit card and Intrest free credit. I used the MSE credit checker yesterday when browsing different…
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What order to pay cc's
Hi, my main focus is to pay of my credit cards, at the moment im paying only the min payment and i want to start cleaning it off one by one, in what order do you think i should focus on. I cannot get any further 0% cards. thanks 1) Balance £9,614 @ 15.9%APR limit = £11,000 2) Balance £8500 @ 22%APR limit = £10,000 3)…
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Balance Transfer - Credit Card Debt Query
(warning: Noob questions lie ahead...) I was approved for a new Balance Transfer Credit Card and I chose the option of transferring debt from an existing card. I owe £1850 approx on a Virgin CC and have reached the end of the 0% rate so applied for a Halifax card which gives me a further 16 months at 0%. I asked for £1900…
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Amex links card interest rates to the base rate - and cuts credit limit fee - MSE News
American Express is to link customers' credit card interest rates to the base rate, and is scrapping its charge for breaching credit limitsRead the full story: Amex links card interest rates to the base rate - and cuts credit limit fee'' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Fraud (disputed) credit card transaction with Lloyds
On our way to catch a ferry yesterday, we filled up at a Total garage in Calais. The cost for the diesel we filled up with was 54 Euro. Tonight I logged into my Lloyds account to check what exchange rate I had been charged and saw that there were two transactions listed under pending for the Total garage, the one I made…
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Paying off card.
So I have a Barclaycard on 27 months 0% interest. It’s dus to expire September 2021. Now you may think that’s plenty of time to pay it off. However I don’t want to fall into the trap of spending up to limit then struggle to pay it off. I have £600 left over after my bills. I use my card to buy my groceries which is about…
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Barclaycard - credit balance refund problems
Earlier on in the summer, I received a letter from Barclaycard informing me that my account was in credit and since the rules don't allow this, they'd enclosed a cheque for the relevant amount . The letter also stated that if the cheque wasn't cashed by January 2020, then the funds would be automatically paid into my…
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DAS DPP complete - credit card?
Hi, I completed my Scottish Debt Payment Programme back in June. I now have defaults on my credit file but all are now settled. Does .anyone know a credit card i can get now? They seem to all need the defaults to be 18monts old. Desperate to start rebuilding ny credit. Thanks Scott
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MBNA 0 % coming to an end
Hi there, I'm hoping someone has a bit more understanding than I do and can help me. We have an MBNA card with a few balance transfers on there. Approximately 20% of the balance is on a 0% deal with is up in October and the rest is on 0,% the end of next year. I have another card with a 0% that I can transfer it to, but I…
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Aqua Interest rate rise
Hi all, newbie here just looking for a bit of advice. I received a letter today saying that as of November 18th, Aqua will be increasing my interest rate by 5% (30.4% to 35.4%). There is also a offer to close the account and pay off the balance in a resonable timeframe. My question is (without contacting Aqua direct), does…
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advice on (large) total available credit, closing cards, applying for new cards
Dear experts, the knowledge level of many individuals here is impressive so I'd rather ask in here than take my chances with other blogs (i've taken my grain of salt either way, I'm aware these are discussion forums). I have about 7 credit cards, 5 of which opened about 1.5 years ago all with 27-30 months 0% offers, and…
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AMOMA.com Closure and Upcoming Bookings
Today I received the following email from AMOMA.com “Cease trading notification Your booking will probably be cancelled by our suppliers. Ladies and Gentlemen, Dear Clients, Since its creation, AMOMA has always strived, with success, to find the best value for money for its customers. Entities that claim to act as "price…
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i don't see John Lewis credit card mentioned or recommended in here ??
i don't see John Lewis credit card mentioned or recommended in here ??
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Credit Card for those who want to de-clutter
I have various credit cards, but I am in the market for a new one, which can help me better organised and de-clutter. I am someone who ends up with a wallet full of credit card receipts. The plan is to check them, when I get the credit card statement. Except I get busy and don't have time. So they end being piled up. Over…
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Paying off part of balance (whilst having DD setup for full balance)
Hi all, This is probably a stupid question but I wanted to make sure anyway :o I wanted to make a small payment to pay off some of my balance on my card but I also have a DD set up to pay the full balance (this will go through no issues later this month). Will making a small payment show up negatively on my credit…
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Money Transfers to Pay off same credit card
Halifax have sent me a letter offering a 0% rate on balance or money transfers. Theoretically………...could I apply for a money transfer into my current account, and then use the money to pay the credit card, therefore leaving the outstanding balance the same but with a 0% rate? Halifax terms and conditions state that they…
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0% Balance Transfer/Additional Cardholder advice
Hi guys, I have some 0% balance transfers that are coming to the end of their promotional offer in June 2020 which I will not have fully paid. I am currently 8 months pregnant which means my financial circumstances will change when it comes to me potentially applying for another balance transfer in June 2020. If I was to…
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Sainsbury's Gold - Fees abroad
We've had this card since 2012 as we can use it abroad with no fees (for either cash or purchases). However, I informed Sainsbury's Bank we were going away and they said fees now apply. I don't remember being informed of any changes regarding foreign fees, I only remember them taking away the £5/month travel insurance in…
